I came down to d3 looking to drop all the way to d4 and hoard some money....but it looks like i can finish top 4 in this division with a 0 payroll. I got really really lucky to be in great 8....in terms of d2....ill warn everyone i have 7 million in the bank and if i can get into the playoffs on a 0 salary team i will buy 50,000+ salary players at every position entering playoffs.....so if you plan to run at a minus during the season it might not be the best strategy.